Last updated: April 2026
OWODE Digital Services Limited ("we", "us", or "our") operates the OWODE Alajo mobile application. This page informs you of our policies regarding the collection, use, and disclosure of personal data.
1. Information We Collect
We collect the following information:
- Full Name — for account creation and identification
- Phone Number — for account login and notifications
- Email Address — optional, for account recovery
- BVN/NIN — for identity verification as required by Nigerian law
- Facial Image — for identity verification against government ID
- Transaction Data — savings contributions, payouts, and transfers
- Device Information — for security and fraud prevention
2. How We Use Your Information
- To create and manage your OWODE account
- To process Ajo savings contributions and payouts
- To verify your identity as required by CBN regulations
- To send transaction alerts and notifications
- To prevent fraud and ensure platform security
- To comply with Nigerian financial regulations
3. Data Security
We implement bank-grade security measures:
- All data is encrypted in transit using SSL/TLS encryption
- Passwords and PINs are hashed using bcrypt — never stored in plain text
- JWT tokens are used for secure session management
- Biometric data is processed locally on your device
4. Data Sharing
We do not sell your personal data to third parties. We only share data with:
- Identity verification providers (for KYC compliance)
- Banking partners (Providus Bank) for transaction processing
- Regulatory authorities when required by Nigerian law
5. Data Retention
We retain your data for as long as your account is active. If you delete your account, we will delete your personal data within 30 days, except where retention is required by law.
6. Your Rights
You have the right to:
- Access your personal data
- Request correction of inaccurate data
- Request deletion of your account and data
- Withdraw consent at any time
7. Account Deletion
To delete your account, visit: https://owode.xyz/delete-account.html
8. Contact Us
If you have questions about this privacy policy, contact us:
OWODE Digital Services Limited
Email: support@owodealajo.com
Website: https://owode.xyz